Florida Insurance Research, Licensing & Market Data

This page reports Florida-specific identity, licensing, market, and regulatory layers from official sources currently included in InsuranceTrustHub research. Public provider profiles stay limited to already-approved listings. Graph agencies, people, and legal insurers are not mass-published from these counts.

59,189 Florida agency credential rows cover 56,939 distinct agencies. A credential row is a license record, not a line of authority and not an appointment.

All currently stored graph agency credential status values are unknown (59,189 rows). Unknown is not displayed as active, and it is not inferred inactive. We do not report “active agencies = 56,939.”

1,630 of those credentialed agencies also have at least one Florida appointed_by observation. 55,332 have a Florida credential without that appointment evidence in currently included sources. Missing appointment rows are not zero appointments.

Namespaces preserve official class. These are not all “insurance agencies” in the same regulatory sense.

Leading license classes

691,126 distinct persons have at least one Florida credential (691,127 rows across 17 license classes). This is a credential universe. It is not a public people directory, and not every person is an “insurance agent.”

Individual names and profile links are not published. Public people remain 0.

Agency appointment observations: 2,680 across 1,630 distinct agencies and 503 distinct DFS appointing-entity identifiers. Source status: 2,675 current, 5 historical.

Person APPOINTED_TO observations: 2,962,397 covering 495,293 distinct persons (locked INS-NAT-013 census). Those people are not individually public.

Appointment evidence is not employment, not quality, and not county authorization.

National legal insurers (NAIC spine): 6,185. OIR active companies: 3,972 (1,965 with NAIC, 2,007 without). Exact national–OIR match rows: 1,959 covering 1,928 distinct NAIC codes. Safe Florida Company Code identifiers: 1,897.

These are overlapping identity cohorts. Do not add them. Florida Company Code is stored only when the same official OIR record also has NAIC.

Source: Florida OIR Market Information Reports (MIR), statewide residential extract. Period 2026-06-01 through 2026-06-30. As of 2026-06-30. 162 NAIC insurers appear in that extract (1,134 observations). Trade-secret companies are omitted. OIR does not audit the data before publication.

Reporting volume is not a recommendation. Source rank in the MIR file is not a TrustHub rank. We do not publish “largest,” “best,” or “top” tables from these observations.

OIR residential market reports

Personal residential PIF: 7,606,205. Commercial residential PIF: 29,073. Valid residential PIF total: 7,635,278 (personal + commercial). PIF is not quality.

A stored MIR rank column exists in the warehouse and is not a policy count. It is not shown here.

Written premium total: $22,818,050,792.33. Personal residential: $20,928,617,037.86. Commercial residential: $1,889,433,754.47. Written premium is not a consumer price or a quote.

Exposure in force total: $4,265,747,865,189.60. Exposure is a source-reported dollar measure for policies in force. It is not quality, safety, or a consumer price.

275 eligibility observations. 227 attached by exact NAIC. 48 unresolved and unattached. Safe wording: Eligible in Florida surplus-lines records. Eligibility is not admitted status, and it is not a standard-market license.

CMS Marketplace registration is federal evidence, not a Florida insurance license. National observations currently included: 1,300,108 (attached 731,990, unattached 530,887, kind conflict 37,231). That national total is not a Florida-specific CMS denominator, so it is not used as a Florida headline card.

CMS evidence attaches to person NPN. Public people remain 0, so public-profile CMS readiness is 0. We do not force CMS onto agency profiles. CMS Marketplace registration evidence found is the profile wording when person evidence is later eligible.

Florida's residual-market insurer. A current official dated policy-in-force source has not been captured (DATA_PENDING_CURRENT_OFFICIAL_SOURCE). No policy count is displayed. Older or secondary counts are not reused. Citizens is not called Florida’s largest insurer.

Citizens Property Insurance Corporation

Florida OIR CHOICES is an interactive sample-rate comparison tool for defined profiles and locations. Supported products identified: homeowners, private passenger auto, Medigap, and small-group health.

Sample premium shown in Florida OIR CHOICES for the selected profile and location.

Sample values are not quotes. Statewide averages are not displayed.

OIR CHOICES

OIR Insurance Regulation Filing System public search is available from 2001-01-05, with about 2,500 results per search. Filings are not exhaustively ingested statewide, so no statewide filing count is shown.

A filing is not quality, and a filing is not necessarily a rate increase.

IRFS public search

Public FEMA/NFIP agency registry cards currently listed: 1,474. NPN is present on 0 of those public cards, so exact agency attaches are 0. Safe wording: Listed in FEMA/NFIP Agency Registry.. A registry listing is not NFIP certification or flood certification. No profile attaches by name.

Stored Florida evidence: 12 LIQUIDATION rows, attached 0, INTERNAL_ONLY. Catalog census still unattached because listing metadata lacks NAIC / Florida Company Code: market-conduct reports 1,007, financial exams 1,060, orders 1,386.

Liquidation is not misconduct. Exam existence is not misconduct. A civil remedy notice is not a finding. Missing attached evidence is not a clean regulatory record, and we do not display 0 complaints, 0 actions, or “no violations” on profiles.

• A public provider is a directory listing. A graph agency is a national entity. They overlap only through a CONFIRMED exact-NPN bridge.
• DFS credentials are license rows. License class (TYCL) is not a line of authority.
• DFS appointments use appointing-entity numbers, not NAIC company codes.
• Florida DFS appointment records use an appointing-entity identifier that is not deterministically crosswalked to NAIC legal-insurer identity in the available public DFS/OIR sources.
• OIR company identity and NAIC legal-insurer identity are additive, overlapping grains.
• MIR reports statewide residential activity as filed. Unaudited. Trade secret omitted.
• FSLSO eligibility is not admitted status.
• CMS Marketplace registration is not a Florida license.
• CHOICES values are sample premiums, not quotes.
• IRFS is a public search, not an exhaustive filing universe.
• Citizens PIF fails closed without a current official dated source.
• NFIP public cards are registry listings, not certification, and have no NPN.
• Florida regulatory catalogs are not firm history without exact identity.
• Each source keeps its own clock. Clocks are not combined into an undated headline.

Hub-wide methodology

OIR Active Company Search

2026-08-28 source capture

MIR residential extract

June 2026 / as-of 2026-06-30

DFS appointments

Source-specific current extracts (agency appointed_by; person APPOINTED_TO locked INS-NAT-013 census)

DFS credentials

Source clock unavailable in stored observations (source_observed_at absent)

FSLSO eligibility

oir surplus-lines XML (FL-INS-002) + eligibility observations

DFS receiver list

2026-08-28

CHOICES

Interactive / current official tool; no bulk as-of

IRFS

Search range 2001-01-05–present; about 2,500 results per search

Citizens

Current official dated PIF unavailable

NFIP

Live registry listing; NPN absent

• Unresolved DFS appointer identity remains unresolved.
• No county market inference from addresses, appointments, or company locations.
• No rankings or Trust Scores from these layers.
• People remain unpublished. Legal-insurer graph pages remain unpublished.
• MIR, surplus-lines, and regulatory evidence are not copied onto agency profiles by name.
• Existing public provider population is not expanded by this page.